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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs SBI Card - Tata Card SELECT

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
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SBI Card

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardSBI Card - Tata Card SELECT
Annual FeeFree₹2,999
Joining FeeFree₹2,999
Fee Waiver SpendN/AN/A
Base Reward Rate0.5599999999999999%1%
Reward CurrencyReward PointsEmpower Points
NetworkVisaVisa
Editor Rating8.2/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

SBI Card - Tata Card SELECT

No accelerated rewards listed

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or SBI Card - Tata Card SELECT?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and SBI Card - Tata Card SELECT?
Kotak Infinite Credit Card has no annual fee, while SBI Card - Tata Card SELECT has an annual fee of ₹2,999.
Which card has better rewards: Kotak Infinite Credit Card or SBI Card - Tata Card SELECT?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. SBI Card - Tata Card SELECT offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and SBI Card - Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and SBI Card - Tata Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or SBI Card - Tata Card SELECT?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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